These Terms of Service ("Terms") govern your access to and use of the website at alternativeoptions.insure (the "Site"), operated by Alternative Options Insurance Agency ("Alternative Options," "we," "us," or "our"). By accessing or using the Site, you agree to these Terms. If you do not agree, do not use the Site.
1. About Alternative Options
Alternative Options Insurance Agency is a California-licensed property and casualty insurance agency (CA License 6017795) located at 1420 Gorgen Lane, Upland, CA 91784. We provide insurance brokerage, PEO consulting, and risk management services to employers.
2. No Insurance, Legal, Tax, or Financial Advice
The information on this Site is provided for general informational and educational purposes only. It is not, and should not be relied upon as, insurance, legal, tax, accounting, or financial advice. Insurance, regulatory, and compliance matters are highly fact-specific. Coverage, eligibility, pricing, and outcomes depend on your specific circumstances, the carriers involved, applicable laws, and many other factors.
Nothing on this Site creates an agent-client, attorney-client, fiduciary, or advisory relationship between you and Alternative Options. A client relationship is established only through a separate written agreement or engagement and only after we have collected the information necessary to advise you.
Before making any insurance, employment, payroll, compliance, or risk management decision, consult a properly licensed professional who can review your specific situation.
3. No Guarantees of Coverage, Pricing, or Outcomes
Statements on the Site about insurance availability, premium reduction, claims handling, experience modifications, PEO outcomes, OSHA compliance, or any other topic are general in nature. They are not guarantees, promises, warranties, or representations that any particular result will occur in your case. Underwriting, pricing, and coverage decisions are made by insurance carriers based on their own criteria and are not within our control.
4. Use of the Site
You agree to use the Site only for lawful purposes and in a manner consistent with these Terms. You agree not to:
- Use the Site in a way that violates any law, regulation, or third-party right
- Attempt to gain unauthorized access to any portion of the Site or related systems
- Interfere with or disrupt the Site or its servers or networks
- Scrape, harvest, or collect information from the Site by automated means without our prior written consent
- Upload or transmit viruses, malware, or any other harmful code
- Reverse-engineer, decompile, or disassemble any software made available through the Site
5. Intellectual Property
All content on the Site, including text, graphics, logos, images, videos, articles, and the overall design and arrangement, is owned by or licensed to Alternative Options and is protected by U.S. and international copyright, trademark, and other intellectual property laws.
You may view and print content from the Site for your own personal or internal business reference. You may not reproduce, republish, modify, distribute, or create derivative works from the Site's content for commercial purposes without our prior written consent.
6. Submissions and Communications
If you contact us through the Site or otherwise send us information, you represent that the information is accurate and that you have the right to share it. We may use information you submit to respond to your inquiry, evaluate insurance options, and operate our business, subject to our Privacy Policy.
Do not send us confidential or sensitive information (such as Social Security numbers, full date of birth, or financial account numbers) through the Site's contact forms or by email. If we need that information later, we will request it through a secure channel.
7. Third-Party Links and Content
The Site may contain links to third-party websites, including insurance carriers, government agencies, and informational resources. We provide these links for convenience only. We do not control, endorse, or assume responsibility for third-party websites or their content. Your use of any third-party site is at your own risk and subject to that site's terms and policies.
8. Disclaimers
9. Limitation of Liability
10. Indemnification
You agree to defend, indemnify, and hold harmless Alternative Options and its owners, employees, and affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys fees) arising out of or in any way connected with your use of the Site, your violation of these Terms, or your violation of any law or third-party right.
11. Governing Law and Venue
These Terms are governed by the laws of the State of California, without regard to its conflict of laws rules. Any dispute arising out of or relating to these Terms or the Site will be brought exclusively in the state or federal courts located in San Bernardino County, California, and you consent to the personal jurisdiction of those courts.
12. Changes to These Terms
We may update these Terms from time to time. When we do, we will revise the Effective Date above. Material changes will be posted on the Site. Your continued use of the Site after changes are posted constitutes acceptance of the updated Terms.
13. Severability
If any provision of these Terms is found to be unenforceable, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.
14. Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Alternative Options regarding your use of the Site, and supersede any prior agreements or understandings on that subject.
15. Contact Us
If you have questions about these Terms, contact us at:
Alternative Options Insurance Agency
1420 Gorgen Lane
Upland, CA 91784
Email: jon@alternativeoptions.insure
Phone: (530) 518-8096
CA License 6017795